Purchase of Leased Vehicle
This question was answered based upon current rules, regulations & statutes in effect on October 02, 2020 QUESTION Wondering if you would answer a few question. We have a commercial lines auto policy on a leased vehicle to our INC. insured. The principal is buying out the lease in his individual name with a lienholder…
Carrier Endorsement for HHMs
This question was answered based upon current rules, regulations & statutes in effect on October 02, 2020 QUESTION One of our insurer’s will add drivers to our insured’s policy if they share the same address on their license. They do not notify the insured and only send us an e-mail stating this below. Are they…
Third Party Rental
This question was answered based upon current rules, regulations & statutes in effect on October 06, 2020 QUESTION If my insured was in a car accident and he doesn’t have rental can an insurance company who is at fault say they want to fix everything in order to give my insured a rental or can…
Private Party Vehicle Purchase
This question was answered based upon current rules, regulations & statutes in effect on October 06, 2020 QUESTION Quick question if you don’t mind. Pretty sure I already know the answer, but want an expert opinion before I email back our insured. Our insured is looking to purchase a truck from a private party in…
MAP Claim Question
This question was answered based upon current rules, regulations & statutes in effect on October 07, 2020 QUESTION I hope you are well. I have an insured who was volunteering for a landscaping activity. He had a trailer attached to his truck and while they were loading a tractor onto the trailer, the back of…
RMV State of Emergency Extensions
This question was answered based upon current rules, regulations & statutes in effect on October 08, 2020 QUESTION Was wondering if you could help. I know that the transfer rule was extended and I found the executive order from Governor Baker but that says the it shall remain in effect until the earlier of August…
Moped and MAP
This question was answered based upon current rules, regulations & statutes in effect on October 13, 2020 QUESTION Good morning and I hope you and yours are happy and well… what a year! Our agency has a client with a son who attends Clemson University in South Carolina. The insured tells me his son bought…
Vehicle Transported to Puerto Rico
This question was answered based upon current rules, regulations & statutes in effect on October 13, 2020 QUESTION Hope this email finds you well. Do you have and answer for or can you point me in the right direction concerning an insured (safety ins) is moving to Puerto Rico and shipping her vehicle. Does the Mass Insurance…
Changing a Garaging for Business
This question was answered based upon current rules, regulations & statutes in effect on October 19, 2020 QUESTION When changing a garaging address for a business vehicle we are required to send in a form and the RMV-1 to the registry, is there a fee for that as well?
UHaul Rental
This question was answered based upon current rules, regulations & statutes in effect on October 23, 2020 QUESTION My insured rented a uhaul box truck (for personal use) an hit a telephone pole I am correct in thinking the personal policy would not respond as the truck is a commercial type vehicle not a private…
Merit Rating for OOS Charge
This question was answered based upon current rules, regulations & statutes in effect on October 23, 2020 QUESTION A little bird told me you’re our RMV contact now! Lucky you! I’m wondering if you can answer a question for me. I have a driver who was charged with reckless driving in December 2018. That charge…
Dealers Physical Damage
This question was answered based upon current rules, regulations & statutes in effect on October 26, 2020 QUESTION I am hoping you can help me understand the coverage for Dealers Physical Damage. Limit of Insurance for Comprehensive and Collision – Is the limit based on what the dealer paid for the used cars that are…
TURO
This question was answered based upon current rules, regulations & statutes in effect on October 27, 2020 QUESTION We have recently had a couple of clients inquiring where they can get auto insurance if they participate in Turo. It is a ridesharing & rental of your own personal auto. I know the Personal Auto Policy…
Commercial Drivers and SDIP
This question was answered based upon current rules, regulations & statutes in effect on October 30, 2020 QUESTION An adjuster told me today that a driver involved and liable in an accident with a vehicle on a commercial policy is not surcharged, that it is not reported to the registry. Is this true?
HHM or NOT and Garaging
This question was answered based upon current rules, regulations & statutes in effect on August 24, 2020 QUESTION Hi Irene, good afternoon. For the first time I have been receiving requests from clients asking me to add a relative + second auto into their policies, placing garage of another city for the second auto (also…
BAP – Listed Drivers
This question was answered based upon current rules, regulations & statutes in effect on August 25, 2020 QUESTION I was hoping one of you might be able to shed some light on a question that came up from one of our clients. This particular insured of ours is insured on her company’s auto policy and…
Skoolie Bus Converted to Motor Home
This question was answered based upon current rules, regulations & statutes in effect on August 25, 2020 QUESTION I have a client that is thinking of purchasing what they call a “skoolie” it’s a school bus that is converted to a motorhome, it would have bedroom, bathroom, kitchen, etc. just like a regular motorhome. If…
Damage to Jeep Top
This question was answered based upon current rules, regulations & statutes in effect on August 25, 2020 QUESTION I have a client that took their top off their jeep and it was laying on the ground and was damaged by lightening. Would that be covered under their auto policy? Thank you very much for your…
Another Trailer (Tis the season)
This question was answered based upon current rules, regulations & statutes in effect on August 28, 2020 QUESTION We have an insured who has a personal auto policy, a Porsche and an Infinit, and he now has a 10,000 lb trailer that he uses for his boat. However, neither one of these vehicles will be…
Bus Converted to Motor Home
This question was answered based upon current rules, regulations & statutes in effect on August 28, 2020 QUESTION We have an insured who is buying this 2010 Ford 450 Van ( it is actually a bus) he is actually converting it into a driveable motor home. Our question is we are trying to at least…
Pending Cancellation/Stamping RTA
This question was answered based upon current rules, regulations & statutes in effect on August 24, 2020 QUESTION I am hoping you can help. We had previously been advised (not by you) that if we are asked to stamp registrations while a policy is pending cancellation for nonpayment or any other reason (commercial or personal),…
Dates for Insurance/RTA
This question was answered based upon current rules, regulations & statutes in effect on September 02, 2020 QUESTION Hope you’re doing well. Sometimes the longer I’m in insurance the less I know! Clarification please! Vehicle sale Date vs Date RTA stamped by Agent vs effective date of endorsement We stamp the RTA the date we…
Out-of-State Temporary Registrations
This question was answered based upon current rules, regulations & statutes in effect on September 02, 2020 QUESTION I’ve recently had a couple of customers come in that had been using temporary plates for cars purchased outside of Massachusetts. Are they considered legal in ma? Are there any exclusions on ma auto policy that we…
Dump Truck – Personal Use
This question was answered based upon current rules, regulations & statutes in effect on September 03, 2020 QUESTION We have a customer who bought a dump truck for personal use between his two properties. My understanding is that because of the dump body he still needs commercial plates. Others say that has changed and he…
Newspaper Delivery
This question was answered based upon current rules, regulations & statutes in effect on September 03, 2020 QUESTION Is a vehicle (2003 Subaru Outback) that an insured uses to deliver newspapers eligible to be written on the Mass Personal Auto Policy? It is currently with Pilgrim Insurance through MAIP and they have issued a cancellation…
Replacement Plates
This question was answered based upon current rules, regulations & statutes in effect on September 03, 2020 QUESTION I have an Insured who went to get his vehicle inspected and was rejected for his Green Plate . Inspection site told him to contact his Insurance Agent they would take care of it ….. I did…
Snow Plowing & Plate Type
This question was answered based upon current rules, regulations & statutes in effect on September 28, 2020 QUESTION Quick question does my insured who has a private passenger auto policy need commercial normal plates on his truck if he plows?
3rd. Party Rental
This question was answered based upon current rules, regulations & statutes in effect on September 28, 2020 QUESTION If my insured was in a car accident and he doesn’t have rental can an insurance company who is at fault say they want to fix everything in order to give my insured a rental or can…
RMV Service Centers
This question was answered based upon current rules, regulations & statutes in effect on September 28, 2020 QUESTION Is the RMV allowing agents to appear at the registry on behalf of their clients to process a transaction if an appointment is made or must the client appear? Thank you.
Value for Sales Tax
This question was answered based upon current rules, regulations & statutes in effect on September 25, 2020 QUESTION I have a question once of my insured’s is trying to register a 1956 Ford Thunderbird. The registry came back with a book value Of $31,400. Where do they get the book value when I tried pulling…
Consumer RMV Contact for Drop Off Centers
This question was answered based upon current rules, regulations & statutes in effect on September 28, 2020 QUESTION Do you have a resource a client can use to follow up on an issue resulting from using the RMV drop off locations. We have tried to call the RMV. After sitting on the phone for 3…
Can Relative Sell Vehicle if Owner Passed
This question was answered based upon current rules, regulations & statutes in effect on September 03, 2020 QUESTION How are you? A question in bullet points My insureds sister passed away, her auto is registered out of state (MD) My insured is in charge of her affairs and needs to sell car Sisters auto registration…
MAP Trailer w/Business Use Exclusion
This question was answered based upon current rules, regulations & statutes in effect on September 04, 2020 QUESTION We have a policy question on trailers. Client has a personal auto policy with pickup with business use in his personal name. He wants to add a trailer GVW 15,000. Are there any exclusions on the MA…
Reassignment of Reserve Plate
This question was answered based upon current rules, regulations & statutes in effect on September 11, 2020 QUESTION Do you know if a passenger reserved plate can be transferred to a family member?
Appraisal for Antique Vehicle
This question was answered based upon current rules, regulations & statutes in effect on September 22, 2020 QUESTION We have an insured that purchased a 1935 Ford auto, with a CT assignment of ownership. He paid $2000 for it and put a lot of work into it to make it road worthy. He also has…
CARVANA
This question was answered based upon current rules, regulations & statutes in effect on September 22, 2020 QUESTION Have you had any experience with anyone buying a vehicle with CARVANA or an online dealer? I have an insured who is trying to purchase a vehicle through CARVANA (and online car dealer) They advised the client…
Personal or Commercial Policy
This question was answered based upon current rules, regulations & statutes in effect on September 22, 2020 QUESTION I have a question please. I have a client who had a 2018 Ford F350 which is on a personal policy. He is replacing it with a 2021 Ford F450 that weighs 14,000 pounds and does not…
Travel Trailers and Temp Plates
This question was answered based upon current rules, regulations & statutes in effect on September 25, 2020 QUESTION I have a client purchasing a travel trailer in Maine that we will be putting on his Mass Auto policy for Collision and Comprehensive coverage. He is driving up to pick the unit up today. The Maine…
MAP Forms
This question was answered based upon current rules, regulations & statutes in effect on July 15, 2020 QUESTION We are adding forms to a new system. Among them are three forms that have not received requests for. They are MPY-0028-S 01 89 Other Optional Insurance –Fire, Lightening and Transportation MPY-0029-S 01 89 Other Optional Insurance…
Personal Trailer/Insurance
This question was answered based upon current rules, regulations & statutes in effect on July 16, 2020 QUESTION We write a commercial account and a personal lines auto twist question has come up and I’d like to run it by you for some help. I’m not deeply versed in personal lines so reaching out to…